Natural hazards · Santa Clara

Santa Clara, NY natural hazards

Most of the natural-hazard damage FEMA expects in Santa Clara comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Santa Clara?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Santa Clara to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding82%Earthquakes8%Everything else10%

By hazard

What Santa Clara faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

82% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Earthquakes

8% of expected damage

Above average · higher than 72% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Santa Clara flood?

FEMA's records show no paid flood insurance claims in Santa Clara.

of all homes
are insured

No community discount. Santa Clara isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Franklin County.

Disasters that hit Santa Clara

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Santa Clara itself: aid to households, or repair grants to the Town of Santa Clara.

Brought FEMA money into Santa ClaraDeclared for Franklin County only

2013

Severe Storms and Flooding

$17K to the Town of Santa Clara for repairs

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$12K to the Town of Santa Clara for repairs

Franklin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Santa Clara

Santa Clara and the towns around it

Very lowLowModerateHighVery high

Duanemostly inland floodingHigh

Tupper Lakemostly inland floodingHigh

Harrietstownmostly inland floodingModerate

Santa Claramostly inland floodingModerate

Waverlymostly inland floodingModerate

Brandonmostly inland floodingLow

Brightonmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Santa Clara covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Santa Clara’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Santa Clara. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Santa Clara total about $718K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.